Columbia, MO · Charter 23355
NCUA · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.17% | 1.16% | 1.15% | 1.23% | 1.17% | 1.14% | 0.81% | 0.89% | -34 bps | |
| Return on Equity | 8.78% | 8.42% | 8.57% | 8.83% | 8.54% | 8.10% | 5.82% | 6.40% | -243 bps | |
| Net Interest Margin | 2.54% | 2.56% | 2.48% | 2.53% | 2.44% | 2.48% | 2.29% | 2.33% | -21 bps | |
| Efficiency Ratio | 55.22% | 55.38% | 56.75% | 55.40% | 55.64% | 56.00% | 66.94% | 63.88% | +848 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.96% | 4.44% | 2.95% | 3.59% | 5.96% | 6.34% | 3.99% | 7.49% | +390 bps | |
| Loan Growth (YoY) | 10.56% | 2.79% | -2.09% | -8.95% | -11.85% | -9.94% | -13.22% | -11.86% | -291 bps | |
| Share Growth (YoY) | 2.06% | 3.66% | 1.96% | 2.65% | 5.43% | 5.99% | 3.43% | 7.56% | +491 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.16% | 0.31% | 0.56% | 0.60% | 0.67% | 0.68% | 0.77% | 0.86% | +27 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.37% | 13.77% | 13.37% | 13.94% | 13.75% | 14.09% | 13.89% | 13.93% | -1 bps | |
| Net Worth / Assets | 13.37% | 13.77% | 13.37% | 13.94% | 13.75% | 14.09% | 13.89% | 13.93% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 28.99% | 28.71% | 26.47% | 26.08% | 24.24% | 24.39% | 22.21% | 21.37% | -471 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |